Immediate cover – even if notified for deployment.

Cover all day, every day, everywhere, on or off duty.

No terrorism, alcohol, drugs, chemical, biological, radiological or nuclear exclusions.

All sports/leisure activities and forms of transport are included.

Personal Liability cover.

Legal Expenses cover for members of the Armed Forces.

Premiums deducted from pay.

No administration charges.

Please refer to the Policy Terms and Conditions for full details.

If you were to select Individual cover then the plan would provide protection for you, and if you are a single parent, all of your children up to 18 years old or 23 years if in full time education.

Family cover is designed to provide cover for you, your partner or spouse and any children you, they or you both have up to 18 years old or 23 years if in full time education.

Please refer to the Policy Terms and Conditions for full details.

The Plan is laid out so that what you see is what you get.

Catastrophic injuries – quadriplegia and paraplegia.

Permanent disabilities.

Accidental death.

Burns – full thickness second or third degree burns.

Fractures – full thickness breaks to arms, wrists, legs and ankles only.

Hospitalisation – as a result of an accident and after 5 consecutive nights in primary care.

Flesh wounds – temporary disability due to gunshot, blast or shrapnel, or permanent scaring.

Criminal injury compensation – off duty only.

Refer to pages 4 and 5 of the brochure for full details.

Deliberate self-harm or suicide.

Fractures resulting from pre diagnosed osteoporosis (a brittle bone disease).

Criminal injury in certain cases.

Act of War between the major powers (USA, UK, France, Russian Federation).

Note that fratricide (blue on blue incidents) are covered by this policy, as are operational accidents such as physical injuries caused by gunshot, blast, shrapnel etc.

Please refer to the Policy Terms and Conditions for full details.

The Pax Insurance Plan is unitised, that is to say the more units of cover you select, the more money you would receive in the event of a valid claim but the more you would pay each month. You can select between one and fifteen units of cover.

 

Type of Cover	Individual	Family
Personal Accident	3.90	5.50

An Optional Life and Critical Illness extension is available.

Uniquely, PAX is administrated by HM Forces HR staff. The Enrolment form can be ordered by calling the PAX Customer Service Centre on:

0800 212480 (from UK)

+44 20 8662 8126 (from overseas) and selecting option 1

or by collecting a copy of the brochure from your unit administration office. Once completed, just hand all three sheets of your enrolment form in to your administration office and once the Imprest Holder/RAO/OC PSF has countersigned your form, your cover is in place.

Call the PAX Customer Service Centre on

0800 212480 (from UK)

+44 20 8662 8126 (from overseas).

They will check the MoD supplied database for your membership details and then ask what happened.

You can make a Legal Protection Insurance claim by calling Irwin Mitchell on:

0870 150 0100 or,

by writing to:

Irwin Mitchell, St. Peter's House, Hartstead, Sheffield S1 2EL.

Before calling either number, it may be useful to run through the background to your claim:

Check your cover – the person you are claiming for must have been covered by the plan at the time of the accident for a personal accident plan, diagnosis for a critical illness or time of death under life insurance. As PAX insurance premiums are deducted from your pay, you should find the words “pax insurance” under the voluntary deductions column along with a deduction that should correspond to the level of cover you selected. If the policy is so new as not to have appeared on your pay statement then either the blue copy of the enrolment form returned to you after you joined the plan or the copy held on your pay records, will suffice as proof of membership.

Consider your claim – a claim under the personal accident section requires an accident often defined as a “sudden and unexpected event” such as a fall, trip, vehicle collision or terrorist attack. the types of conditions covered are all laid out in the Terms and Conditions and it may prove useful to read through these at this point. For personal accident claims you may wish to pay particular attention to the definition for permanent disability. Note that “loss” means a loss of use and is not restricted to physical severance such as an amputation. In the event of an accidental death claim probate will be required but VALO Ltd may be able to assist you through our discounted legal services package for PAX members.

Once the call centre has established your membership and the background to the claim, they will post out a claim form for completion. If you have any questions on how to complete it then please call again. Note that your local PAX representative may well be holding a claims clinic in your area so you can also speak to them.

If you wish to register a complaint with regards to VALO or our staff, please contact us:

In writing: VALO Limited, 1 Kelvin Court, 24-26 Marlborough Road, Richmond TW10 6JS.

By telephone:020 8940 5443
By email: > This e-mail address is being protected from spambots. You need JavaScript enabled to view it

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service:

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. (link to http://www.financial-ombudsman.org.uk/)

If you wish to register a complaint about PAX Personal Accident and Optional Life Insurance:

If the complaint is not about a claim:

The Manager, PAX Customer Service Centre, AIG UK Limited, 96 George Street, Croydon CR9 1BU. (Freephone: 0800 212 480)

If the complaint is about a claim:

The Claims Manager, PAX Personal Accident, AIG UK Limited, 2-8 Altyre Road, Croydon CR9 2LG. (Phone: 0208 253 7597)

If the compliant is about the Legal Protection Insurance:

The Customer Services Manager, Abbey Legal Protection, Minories House, 2-5 Minories, London EC3N 1BJ. (Phone: 0870 600 1480)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations. This depends on the type of business and the circumstances of the claim. A claim is covered for 100% of the first £2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Terms and Conditions

PAX Insurance Brochure